Why would credit score go down

Submitted by dannystark on Thu, 10/02/2008 - 14:30

I had some old collections that had been paid,removed from my credit report.my credit score was 615 but dropped to 576 after these negative items where removed.I expected my score to go up ,why would it go down?

WOW I am not sure. Especially if they were totally removed from your report. Are you sure they were removed ? I will let someone else take a stab at this because I just can't see why it didn't go up.

Thu, 10/02/2008 - 23:07 Permalink
danny stark (not verified)

Yes ,I looked at my credit report and score on line

Fri, 10/03/2008 - 19:47 Permalink


Sun, 10/05/2008 - 01:24 Permalink

oops Sometimes this thing posts before I am ready. Please copy your report and keep it in a safe place. It is good to have it for a reference or keep track in case any creditor tries to change any dates on it. Hopefully you will see a rise in your score soon.

Sun, 10/05/2008 - 01:26 Permalink

Did some positive fall off as well? Are there inquiries on your report? There are many things that could have done this that may have nothing to do with the old debt.

Check out the inquiries, you can easily have these removed.

Wed, 10/08/2008 - 02:38 Permalink

If you are talking about how to get your report it is free at www.annualcreditreport.com. Three free pulls a year. Other than that If you are talking about how to get inquires off your report...you can dispute them.

Wed, 10/08/2008 - 22:31 Permalink

What happened is that the scoring module which is the computer system that shoots out these credit scores was immune to these negative credit marks. So it was not even taking them into consideration since they have been paid and not to mention that they were old. You must understand that anything older than a year does not really get looked at by the scoring module. When you went in and removed these accounts it caused a minor wave and could have caused an upset with the scoring system. Removing old negative marks to increase credit scores is one of the biggest misconception here in the U.S. when it comes to the credit world.
Also, how many more bad marks do you have reporting vs. good positive tradelines????
If you would like to increase your credit scores fast and bring them back to the 600's perhaps the 700's you must go to www.AttractiveCreditSecrets.com

Thu, 10/16/2008 - 03:47 Permalink

I am no a pro or an expert.

Removing any negative information is extremly important if not scorewise than manual review wise. I do not think this a misconcept.

IMHO, your score dropped because you enterd different bucket or pool or different category of customers and score should recover pretty fast.

Good Luck.

Thu, 10/16/2008 - 13:05 Permalink

I agree, I think your report has to have time to recover and reorganize if that makes sense, I think if you give it a little while that you will soon see the increase that you are anticipating. Let us know what happens.

Mon, 10/20/2008 - 14:26 Permalink

I would try not to check it all the time. It won't effect your score but checking it all the time will just make you more anxious to see a change that needs time to take place.

Mon, 10/20/2008 - 16:03 Permalink

Yeah, you need to give yourself a break, give your report some time to change. Your mistakes did not happen overnight and neither will credit repair.

Wed, 10/22/2008 - 01:52 Permalink

Spoken like an expert. Its like falling to the bottom of a hill...you just have to get back up and start climbing again...you can not wish yourself to the top.

Wed, 10/22/2008 - 16:17 Permalink

i think one of the best option to go increase the credit score is be timely on your credit card payment. If one follows this for months surely it will improve your score very nicely.

Fri, 04/10/2009 - 11:15 Permalink
Sally Nachelle (not verified)

There may be some hard inquiry on your credit report, which have dragged down your credit score. You need to review your credit report on a regular basis in order to check whether or not any new negative items have been added to your credit report. When you remove negative items from your credit report, it will always improve your credit score.

Wed, 06/01/2011 - 12:06 Permalink

'Hard Inquiries' can remain on your credit for 2 years. If your check your OWN credit score, that doesn't go aqainst you. Just remain paying on the debt you have down and (slowly but surely..) your credit score will go up.

Sun, 06/05/2011 - 10:18 Permalink
crorkz (not verified)

oCHBP6 Very neat blog article.Thanks Again. Will read on...

Tue, 08/05/2014 - 17:32 Permalink

Get the copy of your credit report again and review what's really on your credit report. And must know what causes your credit score goes down.

Mon, 08/11/2014 - 10:03 Permalink

it takes time to the report to change and update
but dont worry, it will change and your score will go up.

Thu, 01/01/2015 - 16:32 Permalink
creditrepairqueen (not verified)

Hey Danny -

There are a couple reasons why your scores could have dropped. When you are given a certain score at a given time, you are placed on a particular scorecard, meaning you are compared to other people with similar credit report items. So if you do not have a lot of positive credit items listed on your credit reports once those negative accounts were removed, your score will decrease because now you are compared to people without collection accounts on their reports.

You also want to pay attention to your credit card utilization. If your balances are more than 20% of your credit limit, then your scores will suffer also. So, take a look at your credit report and make sure you have a balance of positive open lines of credit and that your balances are below 20% of your limits.

Hope this helps. If you need a more detailed explanation, I can help you.

Sat, 01/31/2015 - 01:48 Permalink
cryptech (not verified)

After having multiple bad experiences with credit repair companies and figuring out the credit score they told me they boosted was actually false and the negatives on my report wasn’t cleaned I tried Cryptech…I want to publicly appreciate the effort for helping me to increase my credit score when i was suffering from low score 350 and was unable to meet up to my standard level.my score suddenly shot up 820 plus excellent result within 24 to 36 hours using technique i found through public record about,(cryptechwhiz@gmail.com).and i was pleased after everything,you can also contact him via (917) 546-9788 for all sort of hacks.he would be wiling to help you.

Thu, 03/29/2018 - 19:24 Permalink
Peddy Murphy (not verified)

Hi I’m Murphy, after reading several reviews about Hack West, I decided to try them too they are different class. They helped me repair the 25 negatives on my report completely and raised my score to 730 on the average. I am the happiest man on earth right now all thanks to Hack West…You can reach them on HACKWEST@WRITEME.COM and/or (424) 307 2638

Thu, 11/08/2018 - 20:08 Permalink
Robert454 (not verified)

I want to acknowledge Ghost for dedicating so much making sure I get my credit fixed and my score increased qualifying me for everything. I had 4 negative items, couple of collections tons of debts, eviction on my profile. I needed to secure a new home for me and my family and also start a business this year. So after I contacted Ghost and we worked together got done fixing my credit which took about 12 business days to achieve, I got qualified for everything. I’m so grateful to Ghost you’re a hero thanks for everything. If you wish to get in touch with Ghost you can reach them on the address Ghostvirus@Workmail.com text +1 205 418 0498. All the best

Mon, 01/07/2019 - 22:08 Permalink
David456 (not verified)

A warm greetings to you all reading this my name is David; Competence is one thing we don’t need to undermine. GHOST VIRUS has proved to be competent, reliable and trustworthy. He used his wealth of experience in fixing my bad Credit Report, deleting all negative items including FBI reports and medical bills from my credit report. He gave me an excellent score I have no worries anymore I got my life back thank to Ghost. I’m sure you won’t have any regret employing the services of Ghost You can always reach them on (GHOSTVIRUS7890@GMAIL.COM 205 418 0498). Have a Great Weekend.

Sat, 01/19/2019 - 17:55 Permalink
Wilson Kelvin (not verified)

Happy Money Monday Family, My name is Wilson Kelvin. With much joy in my heart I want to take this time out firstly to appreciate God for he’s mercies in my life and family for a good head start this year and to this genius Robert (Ghost Virus) for making it possible. He deleted all the negative items, collection, student loan and other bad items stocked on my report which disqualified us from getting a Home. But after our conversation with Robert about the challenges on our report and we needed help which he offered us it took about 16 days to wipe off the bad items and increase our scores leaving good Tradeline but it was worth it . We are the newest home owners on the block with a Brand new Cadillac and Mercedes. You too can restore your credit Today by Texting CREDIT TO 205 418 0498 or Mail; GhostVirus7890@gmail.com

Mon, 01/21/2019 - 23:26 Permalink
Fredrick Murray (not verified)

Due to a lot of hardships and circumstances beyond my control, my scores were in the ditch. I was served with an eviction after I broke my lease, they swore the information was sent to my current address but I never received the eviction because of being gone from my previous address and never wrote a letter stating why I was moving. I basically moved from house to house to have a roof over me and my family’s head. They stated on each case that I had an eviction although I’ve paid the last due balance. It will literally take way too long for me to try sending 3 letters to the 3 credit bureaus and waiting for the eviction to be removed. However, I decided to dig online for credit repair solution and I came across a review on Quora about Ghost and I must admit I was impressed. I quickly contacted him on; Ghostvirus7890@gmail.com: 205 418 0498 asking if he could help me and how much he would charge. He replied after discussing the process, we moved on and guess what? He removed the eviction, fixed my credit history and raised my score to 800. He deleted the student loans, medical bills and the bankruptcy filled 2017. I eventually bought a home with his help and we are happy, may God bless him.

Sat, 01/26/2019 - 22:38 Permalink
Jennifer Bruce (not verified)

Gratitude is a must you hardly find someone to Trust I was down with a low credit profile which had me losing my house, got robbed last year while trying to fix my credit. My name is Jenny a single mother trying to get a prefect home for me and my kids and starting a business of my own. After a month ago I was robbed by some imposters who stole from me all in the name of fixing my credit I later found about Ghost on Trulia where I read review how he fixed a lady’s credit with an excellent score. I was to know how true this was I contacted Ghost and asked for more info and proof of competency to which was satisfactory. I provided the required info for the process and just in 10 days my credit is good and excellent. I advice Y’all with bad credit that needs help should contact Ghostvirus7890@gmail.com; 205 418 0498 and restore your credit today cheers!!!

Wed, 01/30/2019 - 21:24 Permalink
Atkings McCain (not verified)

A big Congratulation to us the (Wilson family) on our new home. My wife and I where down with our credit score and negative items on our report which disqualified us from acquiring a home and living to our expectations. So we made contact and dig the internet for a credible repair service. It happened we found Ghost Virus on credit blogs he is all over the internet we contacted him hoping for a reply which took about 2days due to how busy he is finally he got to us we had a chat and we were glad to work with him. He deleted all the negative items on our report (Student Loans, Collection, Medical Bills, Eviction etc) and increased our score to a high 795 the process lasted for 2weeks and we are here now. DOCUMENTATION BEATS CONVERSATION Restore your credit today and put yourself in the position to get your KEYS! Mail GHOSTVIRUS7890@GMAIL.COM Text 205 418 0498.

Thu, 01/31/2019 - 16:40 Permalink
Ray Knox (not verified)

Hello guys, when you want to upgrade your credit score or have an element removed from your credit report online I suggest you contact XAP CREDIT SOLUTION. Back in 2018 I had a major setback, if you think your credit was bad mine was terrible. I also had evictions that made getting an apartment difficult. My wife has a condition and I needed a loan but I couldn’t, she got seriously ill, my family needed serious help. So i was asking questions on how to steady raise my credit scores, the answers i got did not look like what could get my credit score up in near time. I got notification from a forum and lot of testimonies about a group of ethical hackers called XAP. Via their mail XAPCREDITSOLUTION@GMAIL.COM I contacted them. In 9 days they deleted all the negatives and repos. Thanks to them my score kept increasing until it got to 780. You can text them via (972) 597 9704. I sincerely recommend them. If you are serious with them they will be serious with you. Your testimony is sure…

Tue, 02/12/2019 - 00:26 Permalink
Abigail Matt (not verified)

Everything I read about DEBOOTH CREDIT SOLUTION on trulia, credit magic and Google are true. I believe they are just out to help people with credit issues be it minor or major. I don’t know who you are consulting right now, even if you have consulted someone already for your credit repair I strongly advise you contact DEbooth credit solution if you want desired results. It took DEbooth and his team approximately 14 working days to fix my credit. My fico score was increased by 100 points within the first week and later increased by 100 points on the second week, isn’t that incredible? My score was initially 602, and was increased to 802 across the three credit bureaus and my negative reports were cleared. I’m so happy and I conclude with this assertion that “DEBOOTH CREDIT SOLUTION is the best”. You can as well reach them today via DEBOOTHCREDITSOLUTION@GMAIL.COM and text: (562) 281-7621 to confirm this.

Thu, 04/04/2019 - 22:55 Permalink
Iris George (not verified)

Do you have hard inquiries, late payments, liens, evictions etc. on your profile? Do you wish to upgrade your credit? Do you need a hacker to help rejuvenate your credit profile? I know hackers that can get the job done. They are called XAP CREDIT SOLUTION, they came into my life when I was at my lowest point and revitalized it by increasing my score and clearing all my negatives. I owe everything I have today to them. Text 972 597 9704 or send them a mail via XAPCREDITSOLUTION@GMAIL.COM and let them help you!!!

Fri, 04/05/2019 - 03:18 Permalink
Lissette Marquez (not verified)

It’s not easy believing someone you have never met in person and entrusting him with your money and personal information. After reading so many reviews online and decided to contact Hack West Credit Repair. I didn’t have so many things on my credit only about 17 accounts which include student loans. I needed to purchase a house but didn’t have a good credit. I wrote to Hack West and asked if he could be of help to me and how long it will take to effect changes on my report. I got a swift response assuring me that it’ll be possible. Lo and behold, Hack West jacked my score to 790 from 457 and deleted those ugly items from my profile in less than 6 days as against 15 days he promised not leaving any stone unturned. Kudos to them, I now has a great place I call my “Paradise”. Write them on: HackWest@Writeme.Com or +1 (424) 307 2638

Wed, 05/15/2019 - 09:06 Permalink
Joseph Stone (not verified)


My unprofaned gratitude goes to Dr. Ahmed Krishna, Investment/Loan adviser to some Arab Investors
Based in Saudi Arabia Middle East. They have funds that belong to them for investment. I had a very low score which affected me from accessing any kind of loan in the US. I ran into one of the reviews online and decided to contact him. I met the requirements and I was offered the loan of $200k without any form of collateral. At first I didn’t believe it but when I saw the alert I was amazed. This is what they actually do:
Business Loan of 3% interest rate ranging from $100 Thousand USD To
$100 Million USD for a period of Five to Ten Years and there is No
Upper limit. Please you can write him for possible business collaboration. Below is the email address:
Email: investmentloandept@gmail.com

Tue, 05/21/2019 - 09:47 Permalink
Tishonda Suco (not verified)

My name is Tishonda Suco. I had problems securing a loan because of my score then i hired Hack West. Though I was skeptical at first but wow I was surprised when my loan application was approved after they raised my score in less than 72hours. You can contact him on HACKWEST@WRITEME.COM OR +1 (424) 307-2638. Hope that helps.

Thu, 05/30/2019 - 10:09 Permalink
Cyril Davis (not verified)

I just confirmed that the hard inquiries and late payments on my credit report is no were to be found. I saw some reviews on the internet about ACTION CREDIT SOLUTIONS, how they helped people fix their credit in short period of time. I thought it was fluke but to my greatest surprise, I contacted them so they could help me with my credit and they delivered the job even beyond my expectations. I’m so grateful to ACTION CREDIT SOLUTIONS for the excellent job done on my credit report. Write them today via ACTIONCREDITSOLUTIONS@GMAIL.COM OR +1 (737) 201- 7316 if you want your credit issues address permanently.

Fri, 06/28/2019 - 09:11 Permalink
Robert Morgan (not verified)

I’ve lived in a rented apartment with my wife and two children for over 10 years. Although my wife and I decided to save so we could buy our own home. Unfortunately for us, our daughter Ashley fell sick and she was slated for surgery and we spent almost what we had to make sure she’s Ok. There was nothing left with us and it effected my credit and my score went down to 492. I ran into an old friend Fredrick back in college that told me about ACTION CREDIT SOLUTIONS. I don’t usually believe such things but he persuaded me to try them out, and honestly speaking there is a massive turnaround. My debts, charge offs, late payments are cleared. Thank God for bringing ACTION CREDIT SOLUTIONS my way. Contact them today via ACTIONCREDITSOLUTIONS@GMAIL.COM / +1 (737) 201 -7316.

Mon, 07/01/2019 - 04:26 Permalink
Justin Connolly (not verified)

If you are looking for credit repair and you are reading this then your search is over. I am a realtor, after confirming how two of my clients that had bad credit were able to fix their credit three weeks ago by Action credit solutions who helped increase their score to 760 and 790 respectively and also helped them remove hard inquiries and couple collections. I contacted them to help fix my wife’s credit and they delivered. I think they are amazing and worthy doing business with. My clients are now in their own house. Contact them via ACTIONCREDITSOLUTIONS@GMAIL.COM or (737) 201-7316.

Tue, 08/06/2019 - 13:21 Permalink
Jacob Smith (not verified)

Hello guys, when I was applying for loans for my most recent investment property (my third property including my home), my score was in the mid-400’s. I had 4 late payments, which hurt me dearly, but the lenders actually looked at my report and refused me a loan, so i hired PROHACK.NET@AOL.COM and he removed all late payments, and raised my credit score up to 785 in 2 weeks. I was indeed pleased. You can call or text him on +1(252) 307-3167.


Sun, 08/25/2019 - 21:27 Permalink